SERFF Tracking #: HART State Tracking #: Company Tracking #: FN

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1 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Filing at a Glance Company: Product Name: State: TOI: Sub-TOI: Filing Type: Hartford Casualty Insurance Company General Liability District of Columbia 17.2 Other Liability-Claims Made Only Commercial Umbrella and Excess Rate Date Submitted: 10/10/2014 SERFF Tr Num: SERFF Status: State Tr Num: State Status: Co Tr Num: Effective Date Requested (New): Effective Date Requested (Renewal): Author(s): Reviewer(s): HART Closed-APPROVED FN /07/ /07/2015 Disposition Date: 10/17/2014 Disposition Status: Effective Date (New): Effective Date (Renewal): Mabeline Silva, Brenda Clapper, Teresa Izzo APPROVED PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

2 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN General Information Project Name: Educators Professional Choice-Standard Umbrella Rules Project Number: FN Reference Organization: Reference Title: Filing Status Changed: 10/17/2014 State Status Changed: Created By: Teresa Izzo Corresponding Filing Tracking Number: Status of Filing in Domicile: Domicile Status Comments: Reference Number: Advisory Org. Circular: Deemer Date: Submitted By: Teresa Izzo Filing Description: We are filing a revised Rider, Educators Professional Liability Rider (the "Rider"), to our approved Umbrella Liability policy filed under filing number FF for use with Education clients private schools (K-12), charter schools (K-12), colleges/universities and other higher education institutions that purchase our specialized management/professional liability policy Educators Professional Choice (EPC) as an underlying policy. The EPC form is new and has three (3) Coverage Parts: Directors, Officers and Entity Liability, Educators Errors and Omissions Liability, and Employment Practices Liability. The EPC product is filed in your jurisdiction. concurrently with this Rider. Please see the Explanatory Memorandum attached under the supporting documentaton tab for further detail. Company and Contact Filing Contact Information Teresa Izzo, Product Consultant 690 Asylum Ave T-9 Hartford, CT Filing Company Information Hartford Casualty Insurance Company Hartford Plaza Hartford, CT (860) ext. [Phone] Teresa.Izzo@thehartford.com [Phone] CoCode: Group Code: 91 Group Name: The Hartford Ins. Group FEIN Number: State of Domicile: Indiana Company Type: Property State ID Number: Filing Fees Fee Required? Retaliatory? Fee Explanation: No No PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

3 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Correspondence Summary Dispositions Status Created By Created On Date Submitted APPROVED Robert Nkojo 10/17/ /17/2014 PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

4 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Disposition Disposition Date: 10/17/2014 Effective Date (New): Effective Date (Renewal): Status: APPROVED Comment: Rate data does NOT apply to filing. Schedule Schedule Item Schedule Item Status Public Access Supporting Document Consulting Authorization Yes Supporting Document Actuarial Certification (P&C) Yes Supporting Document District of Columbia and Countrywide Experience for the Yes Last 5 Years (P&C) Supporting Document District of Columbia and Countrywide Loss Ratio Analysis Yes (P&C) Supporting Document EPC Umbrella Rule Explanatory Memorandum Yes Rate UMBRELLA LIABILITY: EDUCATORS PROFESSIONAL LIABILITY RIDER (CLAIMS MADE) (RULE) Yes PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

5 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Rate Information Rate data does NOT apply to filing. PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

6 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Rate/Rule Schedule Item Schedule Item Previous State No. Status Exhibit Name Rule # or Page # Rate Action Filing Number Attachments 1 UMBRELLA LIABILITY: Umbrella EPC DC 0315.doc New Umbrella EPC DC pdf EDUCATORS PROFESSIONAL LIABILITY RIDER (CLAIMS MADE) (RULE) PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

7 UMBRELLA LIABILITY: EDUCATORS PROFESSIONAL LIABILITY RIDER (CLAIMS MADE) (RULE) I. THE RIDER The Educators Professional Liability Rider is for use only with Education clients private schools (K-12), charter schools (K-12), colleges/universities and other higher education institutions that purchase our specialized management/professional liability policy Educators Professional Choice (EPC) as an underlying policy. The EPC form has three (3) Coverage Parts: Directors, Officers and Entity Liability, Educators Errors and Omissions Liability, and Employment Practices Liability. This Rider replaces our former Educators Legal Liability Rider (XL ), which is being withdrawn. Our Rule related to this former Rider is no longer applicable. Umbrella liability coverage under this Rider may be provided where the insured purchases either two (2) or three (3) underlying EPC Coverage Parts with a shared limit. This Rider has its own Declarations and dedicated limits. Coverage is written on a claims made basis, with the standard form having defense costs outside of the limits of liability. If the underlying EPC policy is defense within limits, this Rider's coverage is also defense within limits. The Rider also contains duty to defend provisions. While our Rider is issued in connection with an insured's overall Commercial General Liability (CGL) Policy package, it is specific to the coverage afforded in the EPC policy and sets forth separate Declarations and limits applicable solely to the Umbrella Liability coverage over the underlying EPC policy. Rates are independent of the CGL Umbrella Liability rates. II. FORMS Forms developed for writing this coverage are: III. XL Educators Professional Liability Rider (Claims Made) [Revision of XL ] XL Election of Supplemental Extended Reporting Period RULE A previous Rider, Educators Legal Liability Rider, which was filed under its own Rule, is being withdrawn, making it obsolete. A. General The underlying policy premium is calculated separately for each purchased Coverage Part (Directors, Officers and Entity Liability "D&O," Educators Errors and Omissions Liability "E&O," and Employment Practices Liability "EPL") and then combined. To determine the premium for the Umbrella Rider, calculations are based on the underlying premium for each purchased Coverage Part. An insured must purchase at least two of the three underlying Coverage Parts with a combined limit to be eligible for Umbrella Liability coverage. B. Base Premium 1. Determine the premium for each Coverage Part purchased on the underlying policy. 2. Choose a limit for Umbrella Liability coverage. Add this limit to the underlying per claim Limit of Liability (always $1 million) and find the combined increased limit factor (ILF) in the table below. For example, an account with a $1 million underlying limit purchasing $10 million Umbrella Liability coverage has a 2.11 combined ILF (corresponding to the $11 million value in the table below). Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors 2,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000,

8 Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors 6,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, Determine the underlying EPC policy's increased limit factor (ILF) for each Coverage Part (always the same value for each Coverage Part) from the following table: Limit EPC ILFs 1,000, ,000,000 / 2,000, ,000,000 / 3,000, For each Coverage Part, determine the underlying EPC policy's self-insured retention (SIR) factor from the following table: Self-Insured Retention D&O Factor EPL Factor E&O Factor 2, , , , , , , For each Coverage Part, determine the modified excess factor for the Umbrella Rider using the results from steps 2-4 above, as follows: D&O modified excess factor = (Comb ILF factor from step 2, plus D&O SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus D&O SIR factor from step 4, minus 1) E&O modified excess factor = (Comb ILF factor from step 2, plus E&O SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus E&O SIR factor from step 4, minus 1) EPL modified excess factor = (Comb ILF factor from step 2, plus EPL SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus EPL SIR factor from step 4, minus 1)

9 6. For each Coverage Part, take the underlying premium amounts from step 1 and multiply each by the corresponding modified excess factor from step Add the amounts from step 6 together to calculate the base premium for Umbrella Liability Coverage. C. Judgment Modification A judgment modification may apply based on the catastrophic and shock loss potential of the underlying lines of coverage. If a judgment modification is applicable, multiply the base premium calculated in subpart B above by this factor. D. Minimum Premium. Once the Umbrella Rider premium is calculated and any applicable judgment modification is applied, the premium amount is compared with the following table to see if a minimum layer premium applies. A minimum premium applies at the account level based on whether two (2) or three (3) Coverage Parts are purchased. This minimum premium applies to each layer (million dollars of coverage) of Umbrella Liability purchased. The greater of the premium after judgment modification or the minimum premium is then subject to subpart E. below and charged for the account. Number of Coverages Min Layer Premium 1 N/A E. Terrorism Factor. Once the premium is determined (whether the calculated premium or minimum premium applies), the final result is then multiplied by a terrorism factor, which premium is added to the Rider premium to include terrorism coverage. Terrorism Premium 1% F. Premium Calculation. Premium is calculated as follows: 1. Determine the Base Premium according to the steps in subpart B above. 2. Multiply the amount from step 1 above by the Judgment Modification, if applicable. This amount is rounded to the nearest dollar. 3. Compare the result from step 2 with the minimum premium amounts for each ($1 million) layer of coverage. The greater of the premiums from step 2 or subpart D applies. 4. Multiply the result from step 3 by the Terrorism Factor from subpart E above and add it to the result of step 3 to arrive at the premium amount. This amount is rounded to the nearest dollar and is the final premium. K. Extended Reporting Periods. 1. A Basic Extended Reporting Period of 90 days is provided at no additional charge. IV. 2. A Supplemental Extended Reporting Period may be offered per the terms of the Rider. The additional premium for the supplemental extended reporting period of the Rider is a percentage of the Rider's full annual premium for the policy period. The length and charge for the supplemental extended reporting period follows that of the underlying EPC policy which standard terms are as follows: 100% of the full annual premium for one year. Other terms and pricing may apply where required by the laws of an applicable jurisdiction. ENDORSEMENTS IMPACTING PREMIUM XL Election of Supplemental Extended Reporting Period This optional endorsement is used when coverage under the Rider has terminated and the insured is eligible for and chooses to purchase a supplemental extended reporting period to report claims. In most jurisdictions, the standard Supplemental Extended Reporting Period coverage is for one (1) year at one hundred percent (100%) of Full Annual Premium as stated on the Declarations page of the underlying EPC policy. Other terms and pricing may apply where required by the laws of an applicable jurisdiction. Umbrella EPC DC 0315.doc 2015, The Hartford

10 SERFF Tracking #: HART State Tracking #: Company Tracking #: FN State: District of Columbia Filing Company: Hartford Casualty Insurance Company TOI/Sub-TOI: 17.2 Other Liability-Claims Made Only/ Commercial Umbrella and Excess Product Name: General Liability Project Name/Number: Educators Professional Choice-Standard Umbrella Rules/FN Supporting Document Schedules Bypassed - Item: Bypass Reason: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Satisfied - Item: Comments: Attachment(s): Item Status: Status Date: Consulting Authorization Not applicble to this filing Actuarial Certification (P&C) See the attached document DC Umbrella Actuarial Explanatory.pdf District of Columbia and Countrywide Experience for the Last 5 Years (P&C) See the attached document DC Umbrella 5 yr Experience.pdf District of Columbia and Countrywide Loss Ratio Analysis (P&C) See the attached document DC Umbrella Loss Ratio.pdf EPC Umbrella Rule Explanatory Memorandum See the attached document District of Columbia EPC Umbrella Rules Explanatory Memo.pdf PDF Pipeline for SERFF Tracking Number HART Generated 06/17/ :34 PM

11 THE HARTFORD DISTRICT OF COLUMBIA GENERAL LIABILITY Educators Professional Choice - UMBRELLA Proposed Effective Date: 3/07/2015 Actuarial Explanatory Memorandum Introducing Educators Professional Choice Umbrella Rider: We are filing a new Educators Professional Choice (EPC) Umbrella rider. This will replace our current Educators Legal Liability (ELL) Umbrella rider and ELL Umbrella rider will be withdrawn. The Educators Professional Choice Umbrella rider will follow the form of the underlying Educators Professional Choice product (Filing # FN ). The EPC Umbrella rates will be determined based on the underlying Educators Professional Choice policy (Filing # FN ) by applying a modified excess factor to the underlying Educators Professional Choice policy. The modified excess factor is calculated based on the umbrella increased limit factors (see formula below). The current ELL Umbrella policyholders will transition to the new EPC Umbrella rider. The existing policyholders will experience a premium change due to this conversion. It is not possible to determine the exact premium change that will occur due to the different rating structure (rated based on underlying) of the new EPC Umbrella rider. However, we have calculated a dislocation with the most similar coverage parameters & neutral pricing modification. See the last section (Impact Due to Program Change) for additional details. Umbrella Coverage Limits Available: The Educators Professional Choice Umbrella product will offer the following umbrella limits

12 Umbrella Policy Requirements: The EPC Umbrella policy is only available when the following criteria for the underlying EPC policy are satisfied: - The underlying policy must provide more than one coverage part o See (Filing # FN ) for coverage part information - The underlying policy must have a $1,000,000 per occurrence limit Impacts Due to Program Change: The District of Columbia revenue impact of the proposed program change is as follows: The actual premium change for the current Educators Legal Liability Umbrella policyholders that transition to the Educators Professional Choice Umbrella product will very likely differ from what is shown here due to the differences between the two programs that are outlined above and in Educators Professional Choice New Product Rules Filing memo (Filing # FN ). Eric Ruppert, FCAS Assistant Actuary 9/22/2014

13 The Hartford Educators Professional Choice Umbrella -- New Rider Please note that a new umbrella rider for Educators Professional Choice, is being introduced with this filing (FN ). This new umbrella rider will replace the current Educators Legal Liability Umbrella rider, which is being withdrawn. There is no Educators Professional Choice Umbrella data, but the Educators Legal Liability Umbrella policyholders will transition to the Educators Professional Choice Umbrella rider. - Due to this transition, the premium, policyholder, and rate change experience is shown for the Educators Legal Liability Umbrella rider below. District of Columbia District of Columbia Experience for Educators Legal Liability Umbrella Rate Changes for Educators Legal Liability Umbrella Calendar Year Direct Written Premium # of Policies Effective Date Rate Change , /9/ % , , , , Total (5 Yrs) 456, Countrywide Countrywide Experience for Educators Legal Liability Umbrella Rate Changes for Educators Legal Liability Umbrella Calendar Year Direct Written Premium # of Policies Effective Year Rate Change ,203, /9/2013 *Effective Dates and rate change vary by state ,754, ,467, ,155, ,169, Total (5 Yrs) 7,750,408 2,084 10/9/2014

14 The Hartford Educators Professional Choice Umbrella -- New Program Loss Ratio Analysis: Due to this being a new program, there is no relevant information to construct a loss ratio analysis for this program. The Educators Professional Choice Umbrella rider will replace the current Educators Legal Liability Umbrella rider, which is being withdrawn. However, it is not informative to examine the Educators Legal Liability Umbrella performance due to the differences between the two products. - These differences include but are not limited to the two products having different coverage options, different rating structures, and different pricing flexibility. - For additional information, please refer to the provided Educators Professional Choice Umbrella New Product Rules Filing information. 10/9/2014

15 EXPLANATORY MEMORANDUM RATE/RULE Umbrella Liability Policy Filing FN Umbrella Liability Policy Rate/Rule Filing District of Columbia About This Filing We are filing a revised Rider, Educators Professional Liability Rider (the "Rider"), to our approved Umbrella Liability policy filed under filing number FF for use with Education clients private schools (K-12), charter schools (K-12), colleges/universities and other higher education institutions that purchase our specialized management/professional liability policy Educators Professional Choice (EPC) as an underlying policy. The EPC form is new and has three (3) Coverage Parts: Directors, Officers and Entity Liability, Educators Errors and Omissions Liability, and Employment Practices Liability. The EPC product is filed in your state concurrently with this Rider. Our existing Umbrella policy Educators Legal Liability Rider required revisions to accommodate the new definitions, terms and conditions of the underlying EPC policy. We are also filing one endorsement for use with the new Rider on our Umbrella Liability policy. We are filing new rates and rules applicable to this form change. While our Rider is issued in connection with an insured's overall Commercial General Liability (CGL) Policy package, it is specific to the coverage afforded in the EPC policy and sets forth separate Declarations and limits applicable solely to the Umbrella Liability coverage over the underlying EPC policy. Rates are independent of the CGL umbrella rates. Coverage is written on a claims made basis, with the standard form having defense costs outside of the limits of liability. If the underlying EPC policy is defense within limits, this Rider's coverage is also defense within limits. The policy also contains duty to defend provisions. Forms Listing The following forms are applicable to this filing. All forms impact premium. Form Number Form Title Revision of XL Educators Professional Liability Rider (Claims Made) XL XL Election of Supplemental Extended Reporting Period NEW Rule The intent of this Rider to our approved Umbrella Liability policy is to write umbrella coverage over our specialized management/professional liability policy Educators Professional Choice (EPC) for our Education clients private schools (K-12), charter schools (K-12), 2015, The Hartford Page 1 of 5

16 EXPLANATORY MEMORANDUM RATE/RULE Umbrella Liability Policy Filing FN colleges/universities and other higher education institutions. The Rider has its own Declarations and dedicated limits. We use a rating scheme for this Rider independent of our standard Umbrella Liability rates. A previous Educators Legal Liability Rider, which was filed under filing number FN is being withdrawn from the District of Columbia upon approval of the rates and rules herein. All rules with regard to the use of the former Educators Legal Liability Rider will become obsolete. Rule Descriptions Beginning on Page A. General 2 B. Base Premium 2 C. Judgment Modification 4 D. Minimum Premium 4 E. Terrorism Factor 4 F. Premium Calculation 4 G. Retroactive Date 4 H. Extended Reporting Period 4 RULES: A. General The underlying policy premium is calculated separately for each purchased Coverage Part (Directors, Officers and Entity Liabiltiy "D&O," Educators Errors and Omissions Liability "E&O," and Employment Practices Liability "EPL") and then combined. To determine the premium for the Umbrella Rider, calculations are based on the underlying premium for each purchased Coverage Part. An insured must purchase at least two of the three underlying Coverage Parts with combined limits to be eligible for Umbrella Liability coverage. B. Base Premium 1. Determine the premium for each Coverage Part purchased on the underlying policy. 2. Choose a limit for Umbrella Liability coverage. Add this limit to the underlying per claim Limit of Liability (always $1 million) and find the combined increased limit factor (ILF) in the table below. For example, an account with a $1 million underlying limit purchasing $10 million Umbrella Liability coverage has a 2.11 combined ILF (corresponding to the $11 million value in the table below). Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors Comb Increased Limit Factors Underlying EPC Limit Plus Umbrella Limit 2,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, , The Hartford Page 2 of 5

17 EXPLANATORY MEMORANDUM RATE/RULE Umbrella Liability Policy Filing FN Underlying EPC Limit Plus Umbrella Limit Comb Increased Limit Factors Comb Increased Limit Factors Underlying EPC Limit Plus Umbrella Limit 7,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, Determine the underlying EPC policy's increased limit factor (ILF) for each Coverage Part (always the same value for each Coverage Part) from the following table: Limit EPC ILFs 1,000, ,000,000 / 2,000, ,000,000 / 3,000, For each Coverage Part, determine the underlying EPC policy's self-insured retention (SIR) factor from the following table: Self-Insured Retention D&O Factor EPL Factor E&O Factor 2, , , , , , , For each Coverage Part, determine the modified excess factor for the Umbrella Rider using the results from steps 2-4 above, as follows: D&O modified excess factor = (Comb ILF factor from step 2, plus D&O SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus D&O SIR factor from step 4, minus 1) E&O modified excess factor = (Comb ILF factor from step 2, plus E&O SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus E&O SIR factor from step 4, minus 1) EPL modified excess factor = (Comb ILF factor from step 2, plus EPL SIR factor from step 4, minus 1) divided by (ILF factor from step 3, plus EPL SIR factor from step 4, minus 1) 6. For each Coverage Part, take the underlying premium amounts from step 1 and multiply each by the corresponding modified excess factor from step Add the amounts from step 6 together to calculate the base premium for Umbrella Liability Coverage. 2015, The Hartford Page 3 of 5

18 EXPLANATORY MEMORANDUM RATE/RULE Umbrella Liability Policy Filing FN C. Judgment Modification. A judgment modification may apply based on the catastrophic and shock loss potential of the underlying lines of coverage. If a judgment modification is applicable, multiply the base premium calculated in subpart B above by this factor. D. Minimum Premium. Once the Umbrella Rider premium is calculated and any applicable judgment modification is applied, the premium amount is compared with the following table to see if a minimum layer premium applies. A minimum premium applies at the account level based on whether two (2) or three (3) Coverage Parts are purchased. This minimum premium applies to each layer (million dollars of coverage) of Umbrella Liability purchased. The greater of the premium after judgment modification or the minimum premium is then subject to subpart E. below and charged for the account. E. Terrorism Factor. # of Coverages Min Layer Prem 1 N/A Once the premium is determined (whether the calculated premium or minimum premium applies), the final result is then multiplied by a terrorism factor, which premium is added to the Rider premium for terrorism coverage. F. Premium Calculation. Terrorism Premium 1% 1. Determine the Base Premium according to the steps in subpart B above. 2. Multiply the amount from step 1 above by the Judgment Modification, if applicable. This amount is rounded to the nearest dollar. 3. Compare the result from step 2 with the minimum premium amounts for each ($1 million) layer of coverage. The greater of the premiums from step 2 or subpart D applies. 4. Multiply the result from step 3 by the Terrorism Factor from subpart E above and add it to the result of step 3 to arrive at the premium amount. This amount is rounded to the nearest dollar and is the final premium. G. Retroactive Date: The Retroactive Date referenced in Schedule II of the Educators Professional Liability Rider is the same as the Retroactive Dage shown on the Declarations page of the underlying EPC policy. Since the premium for this Rider is a function of the underlying premium, which already accounts for prior acts coverage, if applicable, there is no separate charge for prior acts coverage for the Rider. H. Extended Reporting Period. 1. A basic extended reporting period of 90 days is provided at no additional charge. 2. A supplemental extended reporting period may be offered per the terms of the Rider. The additional premium for the supplemental extended reporting period of the Rider is a percentage of the Rider's full annual premium for the policy period. The length and 2015, The Hartford Page 4 of 5

19 EXPLANATORY MEMORANDUM RATE/RULE Umbrella Liability Policy Filing FN charge for the supplemental extended reporting period follows that of the underlying EPC policy, which standard terms are: 100% of the full annual premium for one year. Other terms and pricing may apply where required by the laws of an applicable jurisdiction. Endorsements Impacting Premium Form Number Form Title XL Election of Supplemental Extended Reporting Period This optional endorsement is used when the policy has terminated and the insured is eligible for and chooses to purchase a supplemental extended reporting period to report claims. In most jurisdictions, the standard Supplemental Extended Reporting Period coverage is for one (1) year at one hundred percent (100%) of Full Annual Premium as stated on the Declarations page of the underlying EPC policy. Other terms and pricing may apply where required by the laws of an applicable jurisdiction. Additional Information An Actuarial Explanatory Memorandum, which explains how the premium charges were developed, is enclosed in this filing. Copyright Explanation This material is proprietary to The Hartford and may not be copied without The Hartford's prior express written approval. Prepared by: Laurie J. Sablak, J.D. Sr. Product Specialist Middle Market Underwriting Practices, GL & Umbrella Laurie.Sablak@thehartford.com 2015, The Hartford Page 5 of 5